Thunder Bay Car Insurance: Compare Cheap Auto Insurance Quotes

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Drivers can save up to $463* by comparing cheap quotes for car insurance in Thunder Bay.

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Find lower auto insurance rates in Thunder Bay

Thunder Bay residents have a greater reliance on their vehicle, and car insurance as a result. The good news is the cost of auto insurance in Thunder Bay is significantly lower compared to the rest of the province.

At ThinkInsure, comparing Thunder Bay auto insurance quotes is quick and easy. We are partners with the top insurance companies in Canada, so we can help you find the coverage you need at the lowest rates. You can compare quotes online or call us; our licensed brokers will be happy to complete a quote for you. Get more affordable car insurance in Thunder Bay today!

What you need to know about car insurance in Thunder Bay

Car insurance rates are about $300 more per year compared to the provincial average.
Based on our customer data, rates dropped from 2022 to 2023.
Thunder Bay is one of the more expensive cities for insurance in Northern Ontario.

How to compare Thunder Bay car insurance quotes

It's easy! Just complete these quick steps and start saving.

1) Start your quote

Enter your postal code and some basic information.

2) Enter your driving details

Provide your driving and vehicle information.

3) Compare quotes

See rates from the leading companies.

Choose your policy

Choose the best rate. Confirm the details with our experts and buy your insurance.

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5-star car insurance in Thunder Bay

Rated 4.7 out of 5 stars in 1516 Google reviews

See what our car insurance customers are saying about us.

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Mariann Szekeres

2025-06-20

Thank you Sohel for all your help in finding the right insurance for me, I greatly appreciate it.

Zach Barnett

2025-06-06

Excellent Experience sorting out insurance with Todd A. Very helpful and friendly Thank you !

Mike C

2025-05-30

Great service and seamless process. Todd was great!

Mike Chernikov

2025-05-29

Very polite and easy to work with. Tried many companies before this one. Got help same day. Would recommend

Bumsniff McCheeze

2025-05-29

Amazing place to go for tenants insurance...needed help quickly and didn't know how to go about it. Todd one the agents went above and beyond on help fulfill my request, was courteous, polite and knowledgeable and hooked me up with exactly what I needed to secure tenants insurance and move into my new home. Wouldn't have happened without his help and he is very much appreciated!!! As is the company itself...very affordable rates and payment options and made everything easy and seamless. Thanks again! Your rock!

garth dangerfield

2025-05-28

I have been a customer since 2022 at Thinkinsure- overall very pleased! Recently I had a bit of a problem with my policy, nothing to do with Thinkinsure - rather the insurance company that was solved, but I will say I'm grateful for Thinkinsure's help specifically a very nice woman Felicia - she took control & was extremely helpful. Thank you Felicia

Clare Wanzama

2025-05-22

I can't recommend Sohel enough! He went above and beyond to help me get car insurance despite my challenging driving history. He was professional, patient, and truly dedicated to finding the best possible coverage for my situation. I felt supported every step of the way, and he made a stressful process so much easier. If you need someone who genuinely cares and will work hard for you, Sohel is your guy. Thank you for everything!

K Stephens

2025-05-13

The service Betsy Bannon provided was exceptional. Her prompt responses and detailed options easily convinced us to move our business from elsewhere to ThinkInsure.

How car insurance in Thunder Bay works

Thunder Bay auto insurance rules are set at the provincial level. All drivers must have valid insurance and need to carry at least $200,000 in third-party liability. A no-fault system is used, and the FSRAO regulates the industry. Drivers can get insurance through private insurers and brokerages.

There are two parts to your coverage – mandatory and optional coverage. Here is what is included in each:

Mandatory auto insurance

This is legally required to be included in all policies:

Third-party liability: You have protection against legal liability if you cause an accident or damage to other property.
Statutory accident benefits: This insurance policy will cover your medical expenses if you get injured in a car accident.
Direct compensation property damage: If you are not at fault for a collision, this coverage will cover the cost of your vehicle repairs. Effective from January 1, 2024, this coverage will be optional. You will be able to remove this coverage from your policy using OPCF 49, which will result in a reduction in your premiums. However, it is important to remember that by removing this coverage, you will be taking on additional financial responsibility in case of an accident. Therefore, it is highly recommended that you consult with your broker to determine if this option suits your situation.
Uninsured automobile: Protection in case you have an accident with a driver who does not have insurance.

Optional auto insurance

You have the option to add one or more of these types of coverage to enhance your policy:

Collision insurance: This refers to the coverage for any damage incurred during a collision.
Comprehensive insurance: This coverage provides protection against theft, vandalism, and damage that occurs when the vehicle is not being driven.
All perils: Your plan covers all potential risks except for those specifically excluded.
Specified perils: Your insurance policy only covers the explicitly mentioned risks.

You have the choice to increase your coverage limits. You can also include endorsements to personalize your plan. Get more information about Ontario car insurance and how the system works.

How much does car insurance in Thunder Bay cost?

While the average cost varies based on many factors, drivers in Thunder Bay with clean driving records can get car insurance for about $1,989 annually. Residents pay about $200 more per year compared to the provincial average.

Thunder Bay car insurance rates from 2022-2023

Our customer quote data shows that car insurance rates were less in 2023 than in 2022. This could have happened for many reasons, such as the type of people applying for quotes, market changes, and many others. Here’s a summary of rate changes:

Year	Average annual premium
2023	$ 1,989
2022	$ 2,451
Average rate (2019-23)	$ 2,220

Auto insurance premiums in Thunder Bay compared to local cities nearby

Where you live greatly affects how much you’ll pay for insurance. When you compare Thunder Bay to other similar cities in Northern Ontario, drivers tend to pay a little more. See how Thunder Bay compares to other areas:

City	Avg premium
Timmins	$ 2,299
Thunder Bay	$ 1,989
Sault Ste. Marie	$ 1,855
Marathon	$ 1,492
Wawa	$ 1,394

***

Latest Thunder Bay car insurance quotes

2025/06/27

Shopper in THUNDER BAY, ON
Vehicle: NISSAN SENTRA 1.8 S 4DR 2014
Pembridge	$1,261
Aviva Journey	$1,503
CAA Connect	$1,612
Aviva	$1,669
Savings from top 4 cheapest quotes	$408

2025/06/21

Shopper in THUNDER BAY, ON
Vehicle: LINCOLN MKC SELECT 4DR AWD 2018
Aviva	$1,823
GORE	$1,917
Pembridge	$1,947
Travelers	$1,997
Savings from top 4 cheapest quotes	$174

Tips for cheaper car insurance in Thunder Bay

All drivers in Thunder Bay want to save more on their auto insurance. Don’t you? The trick is knowing what to do to reduce your rates. Here’s how:

Work with a ThinkInsure broker: Working with our experts allows you to compare car insurance quotes from the top insurers.
Ask about discounts: Insurers offer many types of discounts. Inquire about the types of discounts you may qualify for.
Bundle: Combining insurance, or adding multiple vehicles to one policy will qualify you for a discount.
Review quotes: Getting an estimate is the only way to know if you are reducing your costs.
Your car: Drive an insurance-friendly vehicle that has high safety ratings.
No claims: Stay accident and claims-free, and insurers will reward you with savings.
Tickets and convictions: Be a good driver and follow the rules to stay ticket and conviction-free.

Thunder Bay car insurance and driving advice

As the largest municipality in Northern Ontario, the city is a central transportation hub for the region. For drivers, this means lots of highway driving along Highway 11, Highway 17, the Thunder Bay Expressway, and Golf Links Road.

An amalgamation between two previously separate cities, Port Arthur and Fort William, residents and businesses rely heavily on vehicles for effective transportation. Thunder Bay people need a car insurance policy that reflects their driving habits. Use these tips to drive safely:

Take on-road and off-road safety seriously: According to the Thunder Bay District Health Unit, on and off-road collisions are a leading cause of injury in the region. Watch out for ATVs, snowmobiles, cyclists, and other vehicles when driving.
Collisions are declining: According to a recent study, collisions in Thunder Bay have decreased by 8%.
Consider comprehensive : With a large wildlife population, the presence of off-road vehicles, severe weather, and many other risk factors, it’s recommended you get comprehensive coverage to ensure you are covered for all situations.
Watch out for potholes: Potholes are very common. The sudden change in temperature during spring creates perfect conditions. Watch out for them!
Watch out for flash flooding: Flash flooding is possible during the spring and summer, particularly on roads outside of city limits.
Winter tires are a must: Winters can be harsh, and driving conditions can be dangerous. Use winter tires to drive during the winter months.

Thunder Bay car insurance FAQs

How can you save on auto insurance in Thunder Bay?

There are many ways for Thunder Bay drivers to pay less for auto insurance. In addition to adjusting your policy, you can maintain a clean driving record, drive a safe vehicle, increase your deductible, and live in a low-crime neighbourhood.

What are the best insurance companies in Thunder Bay?

No one insurance company is the best provider of car insurance in Thunder Bay. You can get quotes and compare options from all the top providers, including CAA, Aviva, Intact, Wawanesa, and many more. The important thing to keep in mind is to look for a provider that can address your insurance needs. For example, if you are a senior, you may want to use an insurer specializing in seniors' coverage. Comparing quotes is the most effective way to find the best company for you.

Get a Thunder Bay car insurance quote

Thunder Bay drivers can keep their low car insurance rates by comparing quotes annually. Start a quote online to find out just how much more you can save on your next policy.

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Sources

* Based on the difference between the average lowest premium and the overall average premium in Thunder Bay for estimates completed from January 1 to December 31, 2023, for drivers with a clean driving record.

** Estimated premiums are based on data entered by individuals on ThinkInsure.ca from 2019-2023.

*** Estimated prices are based on data from January 1, 2023, to December 31, 2023, by drivers with a clean driving record living in Thunder Bay on ThinkInsure.ca.

Insurance Blog And News

Read our insurance blog to get helpful tips, information and news.

2025-07-16

Compare Thunder Bay Car Insurance Quotes

Drivers can save up to $463* by comparing cheap quotes for car insurance in Thunder Bay.

Compare Thunder Bay car insurance quotes from the leading providers

Find lower auto insurance rates in Thunder Bay

What you need to know about car insurance in Thunder Bay